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How would one say "to keep" as in "you are what you keep" or "you are what you hold" in relation to money.

The phrasing is to serve as a reminder that you are not what you spend but rather what you keep/hold.

Any suggestions with regards to specific words to convey the meaning or the whole phrase would be much appreciated.

Thanks

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To keep or hold is often expressed by tenere or servare, which come with a few derived variants each, like continere, conservare, etc. For keeping as opposed to spending, I would choose retinere, e.g. es quod retines, non quod expendis.

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    In your quote, is es "are" or "eat"? It makes an amount of sense either way.
    – Joonas Ilmavirta ♦
    Commented Oct 8 at 21:47
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    @JoonasIlmavirta Etiam sunt qui dicant: es quod es. (Praesertim Germani, sequentes philosophum haereticissimum Ludovicum Feuerbach, qui suam intelligentiam scientiae nutrimentorum ita complexus est, ut dixit: hominem esse quod esse!)
    – Sebastian Koppehel
    Commented Oct 8 at 22:14

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